Joseph Roberto was 37 years old when he was lost tragically on September 11, 2001. Joseph was a vice president for Keefe, Bruyette & Woods in the equity research department. He was an outstanding analyst covering banks in the Midwest and Canada. His writings and publications were stylish, accurate and objective and were an important resource for newspapers and trade publications. Education was very important to Joseph. He graduated from Clarkstown High School North in 1982. Joseph attended Fordham University where he earned his Bachelors degree in Finance in 1986 and his Masters degree in Finance in 1990. Joseph was an avid coin collector, motorcycle enthusiast, Civil War buff and dog lover. But, perhaps one of Joseph’s favorite things besides his family was Christmas. He would spend days decorating his parents’ house in New City. He had a Christmas tie collection that his mother added to each year. He was known to his family as “Joey” Christmas. Joseph was an inspiration to everyone. His love of his Italian heritage and of his country made us all proud. Joseph was a devoted husband and father. He left behind two sons, Joseph Paul and James Edward. He was the cherished son of Robert and Lucy Roberto and loving brother to Lorraine Caiazzo and her husband Kenneth and Robert Roberto and his wife Kristine. He will be forever loved and deeply missed by his nieces, Amanda Rose Caiazzo and Sarah Bloom and nephews, Patrick Robert Caiazzo and Brandon Bloom and all of his aunts, uncles, cousins and friends. Joseph would have been proud of his newest nephew, Joseph Thomas Caiazzo, for whom he was named. Joseph will be forever in the hearts of all who were lucky enough to have known and loved him.